List of cars in insurance group 20

Find out what cars are in car insurance group 20 and how much it might cost to insure them.

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What is insurance group 20?

Insurance group 20 cars are often on the cheaper side to insure. With group 20 being at the lower end of the 50 insurance groups created by Thatcham Research, you can expect them to have relatively good car safety features and inexpensive repair costs. These are among the key factors used to determine which group a vehicle is placed in.

Below, you’ll discover more of the factors considered and how they affect your insurance costs.

Car insurance groups explained

Thatcham Research created 50 car insurance groups to help insurers determine appropriate premiums to offer to customers.

Before being made available to buy, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). This is mostly based on the car’s market value, performance, safety and security features and part replacement costs compared to other vehicles.

A car’s insurance group isn’t the only factor that determines the premiums offered to you. Insurance companies will also investigate a range of personal factors, including age, location and driving history.

Car makes and models in insurance group 20

You’ll notice there are a number of popular cars in insurance group 20. You can expect all of these to come with a comparatively cheap car insurance policy.

Insurance groupCar make/modelDetails
20Vauxhall CorsaThe best-selling Vauxhall Corsa has good fuel economy and great handling. It won the AUTOBEST Best Buy Car Of Europe in 2020.
20Volkswagen GolfThe ever-popular Golf won the Compact Car of the Year at the Auto Express Award. It’s well-known for its excellent steering, plus it features a new intuitive virtual cockpit with smart voice controls.
20BMW 1-SeriesThis premium hatchback has strong and sturdy craftmanship, which saw it scoop the best Family Car at the What Car? Awards 2020.
20Mercedes-Benz A-ClassThe premium hatchback is widely praised for its ride quality, interior comfort and low running costs.
20Skoda OctaviaThe popular Octavia is a dependable small family car, which bagged a five-star Euro NCAP safety rating and ranks consistently well in the What Car? reliability survey.
20Toyota YarisThis sub-compact car has sold incredibly well since debuting since 1999. It has won various awards for its all-round performance.
20Renault MeganeThe Megane is a small family car equipped with affordable parts and safety features, providing great value for money.
20Hyundai ix35This compact crossover provides great value for money, especially when you consider its broad range of safety features.

Cars in insurance group 20 and the average cost by driver’s age

The table below will help you estimate the cost of your car insurance based on the make and model of your car as well as your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Alfa Romeo Mito 1.4 TB (155ps) Lusso 3d 20 £1,407 £816 £715 £577 Get Quote
Alfa Romeo Mito 2.0 JTDM-2 5d 20 £1,407 £816 £715 £577 Get Quote
Alfa Romeo Giulietta 2.0 JTDM-2 5d 20 £1,407 £816 £715 £577 Get Quote
Alfa Romeo Giulietta 1.4 TB MultiAir (150bhp) Speciale 5d 20 £1,407 £816 £715 £577 Get Quote
Audi A1 SE 30 TFSI 116PS 5d 20 £1,407 £816 £715 £577 Get Quote
Audi A1 SE 30 TFSI 116PS S Tronic auto 5d 20 £1,407 £816 £715 £577 Get Quote
Audi A3 1.4 TFSI (125bhp) S Line 3d 20 £1,407 £816 £715 £577 Get Quote
Audi A3 1.4 TFSI (125bhp) S Line 3d S Tronic 20 £1,407 £816 £715 £577 Get Quote
Audi A4 2.0 TDI S Line 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 2.0 TDI S Line 4d S Tronic 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line (Technology Pack) 1.4 TFSI 150PS (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line (Technology Pack) 2.0 TDI 150PS (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line (Technology Pack) 2.0 TDI 150PS S Tronic auto (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line (Technology Pack) 35 TFSI 150PS 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line 1.4 TFSI 150PS (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line 2.0 TDI 150PS (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line 2.0 TDI 150PS S Tronic auto (06/2017 on) 4d 20 £1,407 £816 £715 £577 Get Quote
Audi A4 S Line 35 TFSI 150PS 4d 20 £1,407 £816 £715 £577 Get Quote
BMW 1 Series 118d Urban (Business Media) 3d 20 £1,407 £816 £715 £577 Get Quote
BMW 1 Series 118d Urban (Business Media) 3d Step Auto 20 £1,407 £816 £715 £577 Get Quote
BMW 1 Series 118d Urban (Business Media) 5d 20 £1,407 £816 £715 £577 Get Quote
BMW 1 Series 118d Urban (Business Media) 5d Step Auto 20 £1,407 £816 £715 £577 Get Quote
BMW 2 Series 118d Urban (Nav) 3d 20 £1,407 £816 £715 £577 Get Quote
BMW 2 Series 220i SE Sport Automatic 5d 20 £1,407 £816 £715 £577 Get Quote
BMW 2 Series 220i SE Sport Dual-clutch auto (04/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Chevorlet Cruze 1.7 VCDi LS 5d 20 £1,407 £816 £715 £577 Get Quote
Citroen C3 Feel BlueHDi 100 S&S 5d 20 £1,407 £816 £715 £577 Get Quote
Citroen C4 1.6 BlueHDi Touch 5d 20 £1,407 £816 £715 £577 Get Quote
Citroen C5 1.6 HDI 16V VTR (115bhp) (Techno Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
Citroen C5 1.6 HDI 16V VTR (115bhp) 5d 20 £1,407 £816 £715 £577 Get Quote
DS 3 Connected Chic PureTech 110 S&S 3d 20 £1,407 £816 £715 £577 Get Quote
DS 3 Connected Chic PureTech 110 S&S EAT6 auto 3d 20 £1,407 £816 £715 £577 Get Quote
DS 4 1.6 BlueHDi Elegance 5d 20 £1,407 £816 £715 £577 Get Quote
DS 4 1.6 BlueHDi Elegance 5d EAT6 20 £1,407 £816 £715 £577 Get Quote
Fiat 500L Pop Star 1.6 MultiJet 120hp (08/17 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Fiat Bravo 1.4 Multiair (140bhp) Dynamic 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Focus Vignale 2.0 Ford EcoBlue 150PS 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Focus Vignale 2.0 Ford EcoBlue 150PS auto 5d 20 £1,407 £816 £715 £577 Get Quote
Ford C MAX 2.0 TDCi Titanium 5d 20 £1,407 £816 £715 £577 Get Quote
Ford C MAX 2.0 TDCi Titanium 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Ford C MAX Titanium (Sync3 DAB Navigation) 1.5T EcoBoost 150PS S/S auto 5d 20 £1,407 £816 £715 £577 Get Quote
Ford C MAX Titanium 1.5T EcoBoost 150PS S/S auto 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Mondeo Zetec Edition 2.0 TiVCT Hybrid Electric Vehicle 187PS auto 4d 20 £1,407 £816 £715 £577 Get Quote
Ford Kuga Titanium Edition 1.5 Ford EcoBoost 176PS auto AWD 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Galaxy 2.0 TDCi (150bhp) Zetec (Nav) 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Galaxy 2.0 TDCi (150bhp) Zetec (Nav) 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Ford Galaxy 2.0 TDCi (150bhp) Zetec 5d 20 £1,407 £816 £715 £577 Get Quote
Ford Galaxy 2.0 TDCi (150bhp) Zetec 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Ford S MAX 2.0 TDCi (150bhp) Zetec 5d 20 £1,407 £816 £715 £577 Get Quote
Ford S MAX 2.0 TDCi (150bhp) Zetec 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Ford S MAX Zetec 2.0 Ford EcoBlue 120PS 5d 20 £1,407 £816 £715 £577 Get Quote
Honda Jazz 1.5 i-MMD Hybrid EX eCVT auto 5d 20 £1,407 £816 £715 £577 Get Quote
Honda Civic 2.2 i-DTEC EX GT (ACC/CMBS) 5d 20 £1,407 £816 £715 £577 Get Quote
Honda Civic 2.2 i-DTEC EX GT 5d 20 £1,407 £816 £715 £577 Get Quote
Honda HR V 1.6 i-DTEC S 5d 20 £1,407 £816 £715 £577 Get Quote
Hyundai i40 1.7 CRDi Blue Drive Premium 5d 20 £1,407 £816 £715 £577 Get Quote
Hyundai i40 1.7 CRDi Blue Drive Premium 5d DCT 20 £1,407 £816 £715 £577 Get Quote
Hyundai Tucson 1.7 CRDi Blue Drive SE Nav 2WD 5d DCT 20 £1,407 £816 £715 £577 Get Quote
Hyundai Tucson SE Nav 1.6 T-GDi 177PS 2WD (09/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Hyundai Tucson SE Nav 1.6 T-GDi 177PS 2WD DCT auto (09/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Hyundai Sante Fe 2.2 CRDi Premium SE (7 Seats) 5d 20 £1,407 £816 £715 £577 Get Quote
Hyundai Sante Fe 2.2 CRDi Premium SE (7 Seats) 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Jeep Compass Limited 2.0 MultiJet II 140hp 4x4 5d 20 £1,407 £816 £715 £577 Get Quote
Jeep Compass Limited Plus 2.0 MultiJet II 140hp 4x4 5d 20 £1,407 £816 £715 £577 Get Quote
Kia Sportage 2 1.6 T-GDi 174bhp ISG AWD (08/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Kia Sportage 1.7 CRDi ISG 3 4d 20 £1,407 £816 £715 £577 Get Quote
Kia Optima 1.7 CRDi ISG 3 4d DCT 20 £1,407 £816 £715 £577 Get Quote
Land Rover Freelander 2.2 eD4 S 2WD 5d 20 £1,407 £816 £715 £577 Get Quote
Land Rover Freelander 2.2 TD4 S (2010) 5d 20 £1,407 £816 £715 £577 Get Quote
Land Rover Freelander 2.2 TD4 S (2010) 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Lexus CT 200h SE E-CVT auto (09/2017 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Mazda 2 SkyActiv-G 115ps GT Sport Nav+ 5d 20 £1,407 £816 £715 £577 Get Quote
Mazda CX5 2.2d SE-L Lux 5d 20 £1,407 £816 £715 £577 Get Quote
Mazda CX5 2.2d SE-L Lux Nav 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz A class A 180 Sport 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz A class A 180 Sport 7G-DCT auto 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz A class A 180 Sport Executive 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz B class B200 CDI BlueEFFICIENCY SE 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz B class B200 CDI BlueEFFICIENCY SE 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz B class B200 CDI SE 5d 20 £1,407 £816 £715 £577 Get Quote
Mercedes Benz B class B200 CDI SE 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Mini Hatchback Cooper Classic (Comfort Pack & Navigation Pack) 3d 20 £1,407 £816 £715 £577 Get Quote
Mini Hatchback Cooper Classic (Comfort Pack & Navigation Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
Mini Convertible 1.6 Cooper Soho (Chili Pack) 2d 20 £1,407 £816 £715 £577 Get Quote
Mini Convertible 1.6 Cooper Soho (Chili Pack) 2d Auto 20 £1,407 £816 £715 £577 Get Quote
Mini Clubman Cooper Classic (07/19-) 6d 20 £1,407 £816 £715 £577 Get Quote
Mini Clubman Cooper Classic (Comfort Pack and Navigation Plus Pack) 6d 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi Outlander 4 Petrol 4WD auto 5d 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi ASX 1.6 SOHC Diesel 3 (Leather) 2WD 5d 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi ASX 1.6 SOHC Diesel 3 2WD 5d 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi ASX 2.2 3 4WD (Leather) 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi Eclipse Exceed CVT 4WD 1.5 auto 5d 20 £1,407 £816 £715 £577 Get Quote
Mitsubishi Eclipse 4 1.5 2WD 5d 20 £1,407 £816 £715 £577 Get Quote
Nissan Leaf Visia+ (6.6kW Charger) 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Nissan Leaf Visia+ 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Nissan Juke 1.6 DiG-T Acenta Prem 4WD (Comfort/Safety Pack) 5d Xtronic 20 £1,407 £816 £715 £577 Get Quote
Nissan Juke 1.6 DiG-T Acenta Prem 4WD (Exterior+/Comfort Pack) 5d Xtronic 20 £1,407 £816 £715 £577 Get Quote
Nissan Juke 1.6 DiG-T Acenta Prem 4WD (Exterior+/Comfort/Safety Pack) 5d Xtronic 20 £1,407 £816 £715 £577 Get Quote
Nissan Qashqui Tekna+ 1.3 DIG-T 160 5d 20 £1,407 £816 £715 £577 Get Quote
Nissan Qashqui Tekna+ 1.3 DIG-T 160 DCT auto 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 208 GT Line 1.2 PureTech 100 EAT8 auto S&S 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 208 GT Line 1.2 PureTech 100 S&S 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 2008 Signature 1.2 PureTech 110 S&S 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 2008 1.6 VTi Allure 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 308 1.6 BlueHDi (120bhp) Active 5d 20 £1,407 £816 £715 £577 Get Quote
Peugeot 308 1.6 BlueHDi (120bhp) Active 5d EAT6 20 £1,407 £816 £715 £577 Get Quote
Peugeot 308 Active 1.2 PureTech 130 EAT8 auto S&S 5d 20 £1,407 £816 £715 £577 Get Quote
Renault Captur Iconic TCe 155 auto 5d 20 £1,407 £816 £715 £577 Get Quote
Renault Kadjar Expression+ TCe 160 5d 20 £1,407 £816 £715 £577 Get Quote
Renault Kadjar 1.3 TCE 160 Play 5d 20 £1,407 £816 £715 £577 Get Quote
Renault Megane Play TCe 140 5d 20 £1,407 £816 £715 £577 Get Quote
Renault Scenic Dynamique S Nav dCi 160 5d 20 £1,407 £816 £715 £577 Get Quote
SEAT Leon 1.4 TSI SE (Technology Pack) 5d 20 £1,407 £816 £715 £577 Get Quote
SEAT Leon SE Dynamic 2.0 TDI 150PS 5d 20 £1,407 £816 £715 £577 Get Quote
SEAT Toledo Xcellence 1.6 TDI 115PS 5d 20 £1,407 £816 £715 £577 Get Quote
SEAT Alhambra SE 1.4 TSI 150PS (07/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
SEAT Alhambra SE 2.0 TDI 150PS DSG auto (07/2018 on) 5d 20 £1,407 £816 £715 £577 Get Quote
Skoda Yeti 2.0 TDI CR (150bhp) SE Business 4x4 Outdoor 5d 20 £1,407 £816 £715 £577 Get Quote
Skoda Yeti 2.0 TDI CR (150bhp) SE Business 4x4 Outdoor 5d DSG 20 £1,407 £816 £715 £577 Get Quote
Skoda Octavia 2.0 TDI 150 SE L DSG 5d 20 £1,407 £816 £715 £577 Get Quote
Subaru Levorg 1.6 GT 5d Lineartronic 20 £1,407 £816 £715 £577 Get Quote
Subaru Outback 2.5i SE Premium 5d Lineartronic 20 £1,407 £816 £715 £577 Get Quote
Subaru Forester 2.0i e-Boxer XE Premium Lineartronic 5d 20 £1,407 £816 £715 £577 Get Quote
Suzuki Ignis 1.2 Dualjet SZ3 5d 20 £1,407 £816 £715 £577 Get Quote
Suzuki SX4 1.6 DDiS SZ4 5d 20 £1,407 £816 £715 £577 Get Quote
Toyota Corolla GR Sport (Bi-tone) 2.0 VVT-i Hybrid 184hp auto 5d 20 £1,407 £816 £715 £577 Get Quote
Toyota Corolla GR Sport 2.0 VVT-i Hybrid 184hp auto 5d 20 £1,407 £816 £715 £577 Get Quote
Toyota Avensis 2.0 D-4D T2 (11/11-) 4d 20 £1,407 £816 £715 £577 Get Quote
Toyota Avensis 2.2 D-CAT Icon 4d Auto 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Corsa SE 1.5 (102PS) Turbo D 5d 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Astra SRi VX-Line 1.6i Turbo 200PS S/S 5d 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Zafira 2.0 CDTi (170bhp) Tech Line 5d 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Zafira 2.0 CDTi (170bhp) Tech Line 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Insignia 2.0 CDTi (163bhp) ecoFLEX SRi Vx-line 5d 20 £1,407 £816 £715 £577 Get Quote
Vauxhall Insignia 2.0 CDTi (163bhp) ecoFLEX SRi Vx-line 5d Auto 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Golf Life 1.5 eTSI 150PS DSG auto 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Beetle 1.4 TSI (150bhp) Design 3d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Beetle 2.0 TDI (150bhp) Design 3d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Passet SE 1.5 TSI Evo 150PS 4d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Passet SE 1.5 TSI Evo 150PS DSG auto 4d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 1.4 TSI BlueMotion Tech SE 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 1.4 TSI BlueMotion Tech SE 5d DSG 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 1.4 TSI BlueMotion Tech SE Nav 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 1.4 TSI BlueMotion Tech SE Nav 5d DSG 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 2.0 TDI CR BlueMotion Tech (150bhp) SE Nav 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Sharen 2.0 TDI CR BlueMotion Tech (150bhp) SE Nav 5d DSG 20 £1,407 £816 £715 £577 Get Quote
Volkswagen T-Roc 2.0 TDI Black Edition 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Caddy Life 2.0 TDI (150bhp) Maxi Life C20 5d 20 £1,407 £816 £715 £577 Get Quote
Volkswagen Caddy Life 2.0 TDI (150bhp) Maxi Life C20 5d DSG 20 £1,407 £816 £715 £577 Get Quote
Volvo V40 T3 ES 5d 20 £1,407 £816 £715 £577 Get Quote
Volvo S60 D2 (120bhp) Business Edition 4d 20 £1,407 £816 £715 £577 Get Quote
Volvo S60 D2 (120bhp) Business Edition 4d Geartronic 20 £1,407 £816 £715 £577 Get Quote
Volvo S60 T3 (150bhp) Business Edition 4d 20 £1,407 £816 £715 £577 Get Quote
Volvo S60 T3 (150bhp) Business Edition 4d Powershift 20 £1,407 £816 £715 £577 Get Quote
Volvo V60 D2 (115bhp) ES 5d 20 £1,407 £816 £715 £577 Get Quote
Volvo V60 D2 (115bhp) ES 5d Powershift 20 £1,407 £816 £715 £577 Get Quote
Volvo V60 D2 (115bhp) ES Nav 5d 20 £1,407 £816 £715 £577 Get Quote
Volvo S80 1.6 DRIVe (109bhp) SE 4d 20 £1,407 £816 £715 £577 Get Quote
Volvo S80 D2 (115bhp) SE (06/13-) 4d Powershift 20 £1,407 £816 £715 £577 Get Quote
Volvo S80 D2 (115bhp) SE Nav (06/13-) 4d Powershift 20 £1,407 £816 £715 £577 Get Quote

Why are cars in group 20 on the cheaper side?

These vehicles are among the cheaper ones to insure because they tend to score well for the following factors.

  • Low market value
  • Good security features
  • A range of useful safety features
  • Parts are inexpensive to source
  • Repair costs are low
  • Repair times are quick
  • Smaller engine size

Which other factors affect your car insurance premium?

Along with your car’s insurance group, these three factors will also have a significant impact on the cost of your insurance:

  • Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. The reason for this is that larger engines are more expensive to repair or replace.
  • Driver location. Insurers will use previous claims data to determine the likelihood of your car being stolen or involved in an accident in your area. This can affect your premium significantly. As an example, a 30-year-old in central London will pay for insurance for a Citroen c3 Feel BlueHDi 100 S&S 5d, while the same 30-year-old in Newcastle may only pay .
  • Driver age. Insurers will consider the likelihood of someone your age making a claim on their policy and adjust your premium based on this. That’s bad news for younger drivers who are statistically far more likely to make a claim. The average 20-year-old driver in London could pay £1,691 for the Lexus CT 200h SE E-CVT auto (09/2017 on) 5d, while the average 40-year-old Londoner will only pay £886.

Other factors that affect your car insurance premium, include the following:

  • The age and model of your car
  • Your car’s safety rating
  • The security features you have installed
  • The likelihood of your car being stolen
  • Your credit history and job
  • Your driving activity and driving history
  • The length of your no-claims discount

How can I save on my car insurance premiums?

If you want to keep the cost of your car insurance down, choosing a car in insurance group 20 (or lower) is a great start.

Below are some ideas to keep costs even lower:

  • Avoid any driving convictions. Driving convictions are treated as proof that you’re a careless driver and will send your premium rocketing.
  • Be economical about your car usage. If you can reduce your annual mileage, you’ll be deemed as less of a risk of making a claim, and insurers will drop your premium. Take care not to under-report your annual mileage though as this could invalidate your insurance policy.
  • Pay annually rather than monthly. Often, you’ll save money by paying annually. This is because some insurers charge interest on monthly instalments
  • Install extra safety precautions. The safer you make your car, the less of a risk you’ll be perceived as by insurers. By investing in extra safety features, you’ll often reduce the cost of insuring your car every year. As such, these features can often end up paying for themselves!
  • Shop around for the best deal. Don’t blindly accept your renewal quote. Use price comparison sites to find the best available deal and switch if you need to.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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